高齡化社會下之保險需求－代間老年風險認知及需求差異The Demand for Insurance in Aging Society: Variation in Risk Cognition

摘要
在台灣2005年時1946到1964年間出生之戰後嬰兒潮世代的人口達616萬餘人，占整體勞動人口的59%。這些介於41歲至60歲的族群是我國人口最多、也是最富裕的一個世代，已開始逐漸步入退休生活。伴隨著平均餘命的上升、新生兒數的減少，台灣社會高齡化問題日趨嚴重。相較於過去，仰賴子女提供適當的退休後的照顧有實質上之困難，因此個人必須為自己的退休生活做好準備，保險是一個退休生活風險管理的重要工具。本文以問卷調查的方式探討戰後嬰兒潮世代及其子女世代，對於老年風險之認知是否不同，又其不同之認知是否會造成不同之保險需求。
關鍵字：高齡化社會、保險需求、老年風險
Abstract
Baby Boomer who is between 41 to 60 years old in 2005 accounts for 59% of the labor force in Taiwan. This group with the largest population and wealth is drifting towards retirement. As the average age gets higher and the birth rate gets lower, the aging problem in Taiwan is aggravating. Comparing with the past, it has become more and more difficult for children to take care of their parents’ retirement life. Insurance is an important instrument for managing risks after retirement. Questionnaires are used in this essay to find out if the Baby Boomers and their children generation have different attitude toward risk of aging, and if such difference would affect their demand for insurance.
Keywords: aging society, demand for insurance, risk of old-age